Ohio Term insurance rates have been steadily reducing for the last 20 years. Better mortality, increased competition and lower expenses have all contributed to the rate reduction. The trend should continue, despite some recent speculation that term rates may be increasing. 20-Year Guaranteed Term rates have never been lower.

Term life insurance covers a person against death for a specified period of time. Rates are substantially less than whole Life, variable life or universal life insurance, giving the flexibility to invest your money elsewhere.The death benefit and premium remain level during the "guarantee" period. Of course, at any time, you may cancel a policy.

For example, a 45-year-old male can buy $250,000 of term insurance for approximately $140 per year (10-year guarantee Super-Preferred rating). A 20-year guarantee would only raise the premium to $218 per year.

We’ll research and find the lowest-cost “A” rated term insurance policies. By being independent and objective, you’ll receive the lowest available term insurance rates from the top companies.